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Centerville city, OH

ZIP 45458 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45458

Median Home Value
$337,500
Median Rent
$1,071
Affordability Snapshot
$93,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,168/mo PITI).

12%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

26.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 45458 in Centerville city, OH, a household would need roughly $93,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,168. That sits below the local median household income ($110,682), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
76.0%+16% vs US avg
x
Vacancy Rate
3.2%-69% vs US avg
x
Broadband Access
94.2%+8% vs US avg
x
4+ Bedrooms
6.6%-55% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
18.0%-64% vs US avg
x
Mortgage-Free
33.8%-11% vs US avg
x
$337,500
Home Value
$1,071
Rent
1990
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached61.9%
  • 1-unit attached13.8%
  • 2-9 units16.7%
  • 10+ units7.5%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$337,500
Median rent$1,071
Owner-occupied76.0%
Vacant3.2%
Price-to-income3.0x
Est. income to buy$93,000